# PRUVital Cover

**Insurer:** Prudential Singapore (Prudential Assurance Company Singapore (Pte) Limited)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUvital%20cover_Summary.pdf

## Source wording

- **Effective from:** (not stated in document)
- **Ingested:** 2026-06-05
- **PDF source:** https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUvital%20cover_Summary.pdf
- **PDF sha256:** `d276f7e4a9e26282b5df825980ab09c87ba869ca5b1b3261f775922b0c2aa09c`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 4,
  "refund_basis": "we will refund you the premiums you have paid (without interest), less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by us."
}
```

### exclusions

```json
[
  {
    "text": "If the life assured dies directly or indirectly from an activity under Special Exclusion or Special Terms and Conditions shown on your Certificate of Life Assurance, we do not pay the Death Benefit but will refund the total premiums, without interest, received from you less expenses incurred by us on your policy.",
    "source_page": 2
  },
  {
    "text": "If the life assured dies from suicide within 12 months from the Cover Start Date or date of reinstatement of your policy, we will cancel your policy and refund the total premiums, without interest, received from you less expenses incurred by us on your policy.",
    "source_page": 2
  },
  {
    "text": "If the life assured dies from a Pre-existing Condition within 12 months from the Cover Start Date or date of reinstatement (if any) of your policy, we cancel your policy unless the level of severity was accurately declared in the proposal and specifically accepted by us. If we cancel the policy, we refund the total premiums received from you, without interest, less expenses incurred by us on your policy.",
    "source_page": 2
  },
  {
    "text": "Terminal Illness in the presence of HIV infection is excluded.",
    "source_page": 2
  },
  {
    "text": "We do not pay Terminal Illness Benefit if: (a) the life assured is already deceased at the time of the claim; (b) the symptoms of the Terminal Illness existed at the Cover Start Date or date of reinstatement (if any) of this benefit; or (c) the life assured is diagnosed as having a Terminal Illness caused by: self-inflicted injuries while sane or insane; Acquired Immunodeficiency Syndrome (\"AIDS\"), AIDS-related complex or infection by Human Immunodeficiency Virus (\"HIV\") except HIV Due to Blood Transfusion and Occupationally Acquired HIV; the use of unprescribed drugs where such drugs are required by law to be prescribed by a Registered Medical Practitioner; or an activity under Special Exclusion and/or Special Terms and Conditions shown on your Certificate of Life Assurance.",
    "source_page": 3
  }
]
```

### cash values

```json
{
  "has_cash_value": false,
  "non_guaranteed_bonus": {
    "available": false
  },
  "guaranteed_surrender_value": {
    "basis": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.",
    "available": false,
    "source_page": 3
  }
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 3
}
```

### product type

```json
"term-life"
```

### underwriting

```json
{
  "source_page": 2,
  "pre_existing_treatment": "A \"Pre-existing Condition\" is the existence of any signs or symptoms for which treatment, medication, consultation, advice or diagnosis has been sought or received by the life assured or would have caused an ordinary prudent person to seek treatment, diagnosis or cure, prior to the Cover Start Date or date of reinstatement (if any) of this benefit. If the life assured dies from a Pre-existing Condition within 12 months from the Cover Start Date or date of reinstatement (if any) of your policy, we cancel your policy unless the level of severity was accurately declared in the proposal and specifically accepted by us."
}
```

### policy basics

```json
{
  "minimum_entry_age": {
    "basis": "as-stated",
    "source_page": 1
  },
  "maximum_coverage_age": {
    "basis": "as-stated",
    "source_page": 1
  }
}
```

### premium terms

```json
{
  "cpf_eligible": {
    "srs": false,
    "notes": "PRUVital Cover is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy.",
    "source_page": 3,
    "special_account": false,
    "ordinary_account": false
  },
  "payment_modes": [
    "monthly",
    "quarterly",
    "semi-annual",
    "annual"
  ],
  "premium_review_clause": {
    "text": "We guarantee that the premiums for your policy will remain unchanged throughout its premium term as long as you pay the premiums within 30 days of the date they are due.",
    "reviewable": false,
    "source_page": 3
  }
}
```

### suicide clause

```json
{
  "source_page": 2,
  "payout_within_period": "If the life assured dies from suicide within 12 months from the Cover Start Date or date of reinstatement of your policy, we will cancel your policy and refund the total premiums, without interest, received from you less expenses incurred by us on your policy.",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "wording_version": "Version 07/2025",
  "product_full_name": "PRUVital Cover",
  "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 2,
  "acceleration_percent": 100,
  "qualifying_definition": "Terminal illness means \"any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the Life Assured is expected to live for no more than 12 months.\""
}
```

---

*This summary reflects the policy wording as ingested on 2026-06-05. For current terms, always verify against the source PDF or contact the insurer.*